51.   The bank has no foreign operations and has concentrated on high-tech telephone and electronic banking services that compensate for its limited branch network.

52.   The bank is creating a nationwide branch network, KeyBank National Association, which will go into operation once laws that allow interstate banking become effective later this year.

53.   The combined bank would have the largest share of bank deposits in New Jersey and Pennsylvania and a branch network spanning the East Coast from Florida to southern Connecticut.

54.   The combined bank, which will use the Chase Manhattan name, will be have the biggest branch network in the New York area.

55.   The combined bank would have the largest share of deposits in New Jersey and Pennsylvania and a branch network spanning the East Coast from Florida to southern Connecticut.

56.   The idea was to let the banks escape the business of running local branch networks, which barely broke even, and focus on lucrative fields like investment banking.

57.   The most likely takeover target for Prudential is Woolwich Building Society, which offers a national branch network and plans to convert to banks next year.

58.   The move comes as banks look to sell insurance to boost revenue and take advantage of branch networks.

59.   The people close to the talks said that under a proposed agreement, Allianz would take a significant stake in the new branch network.

60.   The other is the search by buyers for targets with overlapping branch networks.